Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, many consumers feel financially strained by their auto insurance policy. There are many auto insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, having more insurers makes it harder to adequately compare rates.
It’s a good habit to take a look at other company’s rates occasionally because prices change frequently. Just because you found the best price for W350 pickup coverage last year you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.
These discounts can lower your rates
Companies that sell car insurance do not list every available discount in an easy-to-find place, so we researched some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
- Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for W350 pickup coverage.
- Fewer Miles Equal More Savings – Driving fewer miles can earn discounted rates on garaged vehicles.
- Homeowners Pay Less – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
- Memberships – Belonging to certain professional organizations could trigger savings on your policy for W350 pickup coverage.
- E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
It’s important to understand that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.
To choose insurance companies offering auto insurance discounts, click here.
Drivers who switch save $482 a year? Really?
Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. All the ads have a common claim that you can save after switching your coverage to them.
How does each company make almost identical claims? This is how they do it.
All companies are able to cherry pick for the type of driver they prefer to insure. For instance, a preferred risk could possibly be a mature driver, has no driving citations, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and as a result will probably cut their rates substantially.
Drivers who are not a match for the “perfect” profile will be charged more money which leads to business not being written. The ads state “customers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the way they do. That is why you absolutely need to compare as many rates as you can. It’s impossible to know which insurance companies will have the lowest rates.
Best coverage at the best price
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits and learned later they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.
Throughout this article, we presented a lot of ways to get a better price on Dodge W350 Pickup insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the best prices are with a small local company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.
